This legislation aims to prevent life insurance providers from discriminating against individuals who have donated a kidney. It explicitly makes it unlawful to discriminate against a living kidney donor in the offering, issuance, cancellation, pricing, or coverage amount of a life insurance policy. Such discrimination is prohibited when based solely on the status of being a living kidney donor, unless there is evidence of additional actuarial risks that are unrelated to the donation itself. Furthermore, the bill grants a private right of action , allowing individuals who suffer harm from such discrimination to sue for damages and attorney's fees in federal court. This Act also clarifies that it does not preempt any state or local laws that offer greater protections to living kidney donors regarding life insurance.